Privacy Notice

 

How to Opt Out Privacy and Security Tips

This notice applies to (collectively, referred to as “you”):

  • Customers
  • Former Customers
  • Applicants

Our Privacy Commitment to You

At Capital One,®1 we are committed to providing you with financial products and services to meet your needs. Our commitment includes protecting the personal information we retain about you (referred to as “information” in this notice) when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes.
We want to earn your trust by using strict safeguards to protect information about you as we continue to bring you our products and services. Please read this notice to learn more about privacy and data security at Capital One. Our Privacy Notices will include a “Last Revised” date at the bottom, and you can always read our most up to date notice by visiting www.capitalone.com.

Data Collection & Security

I. Why we Collect & Share Information

By knowing more about our customers, we as well as our business partners can provide specialized products and services that may be of interest to you and your family. We may also be able to improve upon your experience when contacting us or using one of our products. Additionally, we may collect and share information to help protect you from identity theft and fraud. For example, we may verify your identity when you open an account with us and when you make transactions.

II. We Collect Information about You from the Following Sources

  • Applications, questionnaires and other forms you submit (information such as your name, address, social security number, assets and income).
  • Your transactions with us and others (information such as account balances, fees, payment history, checks, parties to transactions and account usage).
  • Our communications with you regarding account activity.
  • Credit bureaus (to determine your eligibility for credit or other financial products).
  • Public sources, including census data and real estate records.
  • List vendors and membership lists, including magazine subscription lists.
  • Web-based tools when you visit our Web sites, including “cookies.”
  • Telephone calls, which we may monitor or record when we communicate with you.

III. Our Security Practices

Our Safeguards for Information Confidentiality and Security:

  • We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to protect against ID theft.
  • Access to information about you is restricted to authorized employees obtaining that information for business purposes.
  • We carefully select and monitor the outside companies we hire to perform services for us, such as mail vendors who send out our statements. We require them to keep customer information safe and secure, and do not allow them to use or share the information for any purpose other than the job they are hired to do.
  • We train our employees on these security procedures, and we conduct regular audits to verify compliance with them.

Information Sharing

We May Disclose Information that We Collect as Described Above to the Following Entities:

  • Other companies in the Capital One family, as described at the end of this notice.
  • Financial service providers, such as securities broker-dealers or insurance companies.
  • Non-financial companies, such as retailers, data processors, and advertisers.
  • Carefully selected business partners (e.g., so they can alert you to their products and services).
  • Companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements (CA Residents: Other than as required or permitted by law, we will not disclose information about you to other financial service providers with which we have joint marketing agreements unless you authorize us to do so).
  • Other third parties, including non-profit organizations, as required or permitted by law, or when you permit us to share information about you.

Choices You May Make for Your Privacy

You may choose to limit the way we share information about you. You may also choose to limit the solicitations we send you. These choices are referred to as “opt-outs.”
Reminder: If you have previously opted out in response to a Capital One privacy notice there is no need to opt out again, unless you are modifying your previously selected preferences (see “How to Opt Out” below).

I. Sharing of Information Outside of the Capital One Family of Companies

If you do not want us to disclose information about you outside the Capital One family of companies, you may choose to opt out of those disclosures. In other words, you may tell us not to share this information and we will not, except in those cases where we may be required or permitted by law. For example, required disclosures may be made to law enforcement and banking regulators, while permitted disclosures may be made to vendors assisting us in opening, maintaining or servicing your account. (CA and VT Residents: To the extent state law applies, we will not disclose information about you outside the Capital One family of companies, except as required or permitted by law.)

II. Use and Sharing of Information Among Companies in the Capital One Family

Affiliate Sharing—We may share your credit information within the Capital One family of companies. Credit information includes financial information you may share with us or credit history that we may obtain from credit bureaus. If you do not want us to share your credit information with other companies in the Capital One family, you may choose to opt out. (VT Residents: To the extent state law applies, we will not disclose credit information about you within the Capital One family of companies except as required or permitted by law.) If you opt out, we will not share your credit information with other companies in the Capital One family.

Affiliate Marketing—Companies in the Capital One family may market their products and services to you based on information received from other companies in the Capital One family. This may include any information collected about you including your income, your account history, and your credit score. If you would like to limit the offers you may receive based on this shared information, you may choose to opt out. If you opt out, we will not market products or services to you based on information received from other companies in the Capital One family except as expressly permitted by law. This limitation will not apply in certain circumstances, such as if you ask to receive information from a Capital One company.

III. Limits on Solicitations from Us

You may tell us not to solicit you at your mailing address, telephone number or e-mail address for products and services that are not directly related to your account. We may still offer you new products and services as part of our regular communications with you (such as your monthly statement or customer service e-mails).

IV.How to Opt Out

Your opt-out choices will apply until you tell us to change them. If you have previously opted out based on an earlier privacy notice provided by one of the companies in the Capital One family (even if the notice was provided by the Capital One company under its former name) and would like to keep the same preferences, you do not need to opt out again.

Applicants: Unless otherwise notified, applicants who do not become our customers may not make certain privacy elections. To exercise one or more of your opt-out choices described:

  • Call us toll free: 1-888-817-2970;
    Hearing Impaired: 1-800-206-7986
  • To opt out of e-mail solicitations go to
    http://preferences.capitalone.com

Joint/Multiple Accounts:

Your opt-out choices will apply to all of your accounts within the Capital One family of companies, including joint accounts. For a joint account, an opt-out choice made by any joint account holder will apply to all account holders.

Important Information About Credit Reporting

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

NV Residents: Pursuant to state law, if you would like more information about opting out of telephone solicitations contact us at 1-888-817-2970; Hearing impaired 1-800-206-7986. If you would like more information about Nevada’s law regarding corporate do-not-call registries, please contact the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101 (Phone: 1-702-486-3132, E-mail: BCPINFO@ag.state.nv.us)
TX Residents: Capital One Auto Finance, Inc., is registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Capital One Auto Finance should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: 1-800-538-1579. Fax No.: 1-512-936-7610. E-mail: consumer.complaints@occc.state.tx.us. Web site: www.occc.state.tx.us

PRIVACY AND SECURITY TIPS

  • Protect your information. Never give your Social Security number or personal credit information over the phone or the Internet unless you initiate the communication. Keep your personal identification number (PIN) and password in a safe place. Try to memorize your PIN and password and do not write them down with your account information.
  • Destroy and/or securely store your account records . Tear or shred receipts, bank statements and unused credit card offers. Keep billing statements and other account related documents in a safe place.
  • Immediately report lost or stolen checks or credit cards.
  • Don’t carry your personal identification numbers (PINs).
  • Promptly review all account statements and immediately report any discrepancies to your financial institution.
  • Retain receipts from all ATM, debit and credit card transactions. When you’re ready to dispose of them, make sure your account number is not readable.
  • Immediately sign new credit cards.
  • Report unusual telephone or e-mail inquiries or other suspicious activity to your telephone company or local law enforcement authorities.
  • Regularly review your credit report. Keeping your credit report error-free is important. Order a copy of your credit report and immediately alert the credit bureau, as well as the specific creditor, of any mistakes. See www.ftc.gov for more information on how to request one free credit report per year from each credit bureau.

The three national credit bureau agencies are:

Equifax - www.equifax.com 1-800-685-1111
Experian - www.experian.com 1-888-397-3742
TransUnion - www.transunion.com 1-877-322-8228

  • If you lose your credit card or suspect that you have been a victim of identity theft, immediately notify your creditors, local law enforcement and the credit bureau agencies listed above. If you think your identity has been stolen, you may want to visit http://www.consumer.gov/idtheft, sponsored by the Federal Trade Commission.
  • Update your personal information as necessary by calling us using the customer service number on your account statement or visiting your local banking office.
  • Learn about the Children’s Online Privacy Protection Act (COPPA). Follow the tips for parents at the Federal Trade Commission’s Web site for children’s privacy at http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/index.html. We respect the privacy of your children, and we comply with the COPPA. We do not knowingly collect or retain personally identifiable information from individuals under the age of thirteen online.

Unless you are expressly told otherwise and provided a separate privacy notice, this notice applies to all companies within the
Capital One family of companies.

Important Information about Credit Reporting
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report

For More Information about Our Privacy Practices:
Write to us at P.O. Box 30285,
Salt Lake City, UT 84130-0285
Visit our Web site at www.capitalone.com

© 2009 Capital One
Capital One is a federally registered service mark.
All rights reserved.
Date Last Revised 09/01/2008

1This notice applies to the US operations of the Capital One family of companies (Capital One Financial Corporation and the companies it owns or controls). For more detailed information about the companies providing this notice, please consult the list at the end of this notice.

Companies Providing this Notice

The Capital One family of companies includes companies controlled by Capital One Financial Corporation, such as those starting with “Capital One,” “Hibernia,” “NorthFork” or “GreenPoint.” These companies include, but are not limited to:

  • Capital One Bank (USA), National Association
  • Capital One, National Association
  • Capital One Health Care Finance
  • Capital One Southcoast, Inc.
  • Capital One Insurance Agency, Inc.
  • Capital One Financial Advisors, L.L.C.
  • Capital One Funding, L.L.C.
  • Capital One Agency Corporation
  • Capital One Investment Services
  • Capital One e-Commerce, Inc.
  • Consumers Direct Agency, Inc.
  • Capital One Auto Finance, Inc.
  • Capital One Home Loans, L.L.C.
  • Onyx Acceptance Corporation
  • The Westmoreland Agency, Inc.
  • GreenPoint Mortgage Funding, Inc.